Enrolling for Citibank Online will give you access to your accounts on the web, or on your mobile apps. Pay bills, check balances, find transactions, and get your rewards with Citibank Online banking. Activate it now with any one of your Citibank cards.

By clicking 'Continue' button, I agree unconditionally to be bound by the Citibank Online terms and conditions and all amendments, revisions, and additions which ever may at Citibank absolute discretion effect from time to time.

Terms & Conditions

A. INTRODUCTION

B. DEFINITIONS

C. OPERATIONAL RULES

1. ACCESSING CITIBANK ONLINE

2. SERVICE AVAILABILITY

3. FUND TRANSFERS & BILL PAYMENTS

4. REQUEST PURCHASE OF MANAGER'S CHEQUE(S)

5. TRANSACTION RECORDED IN MONTHLY STATEMENT

6. OBTAINING ACCOUNT INFORMATION AND TRANSACTION HISTORY

7. CITIBANK ONLINE DOCUMENT FACILITY

8. STATEMENT REQUEST

9. CHEQUE BOOK REQUEST

10. TIME DEPOSIT PLACEMENT (COMMON PARTY)

11. INFORMATION SERVICES

11.1 Financial Market Data

11.2 Financial Articles and Newsletters

12. ALERTING SERVICE

13. CITIBANK REWARD POINTS INQUIRY & REDEMPTION

14. INVESTMENT AND INSURANCE PRODUCTS AND SERVICES

14.1 Unit Trust Fund(s)

14.2 Insurance Products

15. CHANGE OF ADDRESS

D. GENERAL TERMS AND CONDITIONS

16. MY INSTRUCTIONS & REQUESTS

17. PROTECTING MY CARD(S) AND/OR MY ACCOUNTS

18. INTERNET COMMUNICATIONS

19. VARIATION OF FEES AND SERVICES

20. USE OF INFORMATION

21. USE RESTRICTIONS

22. DISCLOSURE OF MY INFORMATION

23. APPLICABLE LAWS AND REGULATIONS

24. EQUIPMENT AND SOFTWARE

25. OWNERSHIP

26. REPRESENTATIONS & WARRANTIES: DISCLAIMER

27. LIABILITY AND INDEMNITY

28. SUSPENSION/TERMINATION/CANCELLATION OF CITIBANK ONLINE

29. MISCELLANEOUS

E. CITIGOLD WEALTH MANAGEMENT BANKING AND ONLINE SERVICES

30. ACCESS TO CITIGOLD SERVICES

31. CITIGOLD WEALTH PLANNER /PORTFOLIO TRACKER

32. FINANCIAL, MARKET AND WORLD NEWS

F. "e-CHAT" & "CALL ME" SERVICES

33. e-CHAT

34. CALL ME SERVICES

PART A. INTRODUCTION

Citibank Online enables me to have direct access to my Account(s) or to effect certain banking or payment transactions or to access such other financial tools and/or services as Citibank may from time to time determine, by electronic means via the use of my Customer Terminal. These services are available to me as an existing Customer of Citibank, subject to Citibank's conditions, limits and procedures whether contained in these Terms and Conditions or as prescribed by Citibank from time to time at your discretion.

These terms and conditions govern my rights and obligations, as the Customer, and yourselves, Citibank, in connection with the access and use of Citibank Online. By accessing this Website or using the services provided by Citibank Online, I HEREBY ACKNOWLEDGE AND ACCEPT that my access and use of Citibank Online will be governed by these Terms and Conditions. In addition, my access and use of Citibank Online will be governed by the Citibank Account Terms and Conditions and any other specific rules, procedures, terms and conditions for the products, services or facilities offered as determined or as may be amended by you at your discretion ("applicable Account Terms and Conditions").

I FURTHER ACKNOWLEDGE AND AGREE that the applicable Account Terms and Conditions (including without limitation, those provisions on liability, disclaimer, indemnity, severability, force majeure, etc.) and such other specific rules, procedures, terms and conditions as set out in the preceding sentence shall apply, mutatis mutandis, to these Terms and Conditions. In the event of any inconsistency or conflict between the applicable Account Terms and Conditions, Citibank's rules, procedures, terms and conditions as determined from time to time, AND these Terms and Conditions, these Terms and Conditions will prevail (unless specifically provided otherwise).

PART B. DEFINITIONS

In these terms and conditions, the following terms and expressions have the following meanings unless the context requires otherwise:

"Account(s)" or "my Account(s)" means any one or more of my eligible account(s) held with Citibank (including, without limitation, my current, savings, fixed deposit, Time Deposit, investment, loan, Card(s) accounts and/or Citibank Ready CreditTM accounts), which Citibank permits me to access through Citibank Online in accordance with Citibank's procedures as determined by you from time to time.

"ATM" means Automated Teller Machine.

"Business Day(s)" means any day(s) on which Citibank in Kuala Lumpur, Malaysia is open for business.

"Card(s)" or my "Card(s)" means my validly issued and unexpired VISA credit card bearing the VISA logo and/or any relevant service marks licensed by VISA International or my validly issued and unexpired MasterCard credit card bearing the MasterCard logo and/or any relevant service marks licensed by MasterCard International, issued by Citibank, with my name and Card and/or Card Account number imprinted or embossed on the Card.

"Citibank" means Citibank Berhad (297089-M).

"Citibank Online" means the electronic banking services described in Clause 2.4 below which are made accessible by you through this Website in accordance with and subject to these Terms and Conditions and, save where the context does not permit, includes Citibank Mobile.

"Citibank Online Use" means any access and/or use (as evidenced by the use of a Username, Password and Security Details and/or otherwise in accordance with any identification or security procedures specified by Citibank from time to time) of any of the products, services, information or content found in Citibank Online.

"CitiGold Member" means any person who (a) holds one or more Citibank Account(s) with a combined daily average balance of deposits and investments or asset under management (AUM) of at least RM200,000 or such other amount as Citibank may determine in its discretion from time to time and; (b) has been approved by Citibank to become a CitiGold Member pursuant to the relevant terms and conditions governing the application for CitiGold membership.

Citibank Mobile" means the electronic banking services, one or more of which are described in Clause 2.4 below, which can be accessed by the use of desk top computers, work stations or laptops, mobile phones, tablet computers and/or other wireless devices which can access the Internet by means of a web browser or via text messaging service, in accordance with and subject to these Terms and Conditions. I can enrol for Citibank Mobile Bill Payment via the Website by submitting my mobile number and such other information as required by Citibank according to the prompts and procedures set out by Citibank Online.

"Citigroup" singly or collectively refers to, Citibank, Citibank NA, and/or any of their branches, their head office, branches, representative offices, any subsidiaries, affiliated or associated companies of, or related entities controlled directly or indirectly by Citigroup Inc. and any of their respective branches and offices.

"Confirmation" means any positive confirmation, non-acceptance, acknowledgement, rejection, cancellation or reply by Citibank to the Customer.

"Customer" means any existing customer of Citibank who holds one or more Account(s) and includes such persons using a Username, Password and Security Details for the purpose of accessing and/or using Citibank Online. A Customer includes a CitiGold Member.

"Customer Terminal" means any computer or other device (including PCs, notebooks, laptops, personal digital assistants, mobile phones and the like) from which I access and use Citibank Online and this Website from time to time.

"Exchange Control Regulations" mean the Exchange Control Act 1953 (Revised 1969), the Exchange Control Rules and any and all guidelines and/or regulations issued by Bank Negara Malaysia on exchange or currency controls from time to time.

"Online Authorisation Code" means a security code that is issued to me by Citibank which I have to key in according to the prompts and procedures set out in Citibank Online or the Website or otherwise determined by you to activate a Third Party, another Citibank customer and/or Payee before a Fund Transfer and/or Bill Payment can be made to their relevant bank account for the first time.

"Password" or "my Password" means a valid password successfully created by me to be used together with my Username to enable me to access and use Citibank Online and/or this Website in accordance with procedures and prompts set out in Citibank Online or the Website or as otherwise determined by you.

"Payee(s)" means a vendor, merchant, biller, person, corporation or entity whose names are set out in the 'Â®Bill Payment' section of this Website and whose bills can be paid through Bill Payments.

"PIN" or "my PIN" means the Citicard ATM-PIN, Card PIN or any other security code as you may from time to time authorise, that enables me to create a valid Username and Password

"Security Details" means the answers (answers which are only known to me) I have given to security questions that I have selected from a list of security questions provided by Citibank which will be recorded and stored by Citibank Online. I have to provide these Security Details to enable me to access and use Citibank Online and/or this Website in accordance with procedures and prompts set out in Citibank Online or the Website or otherwise determined by you.

"Statement Date(s)" means the date on which the statement of accounts in respect of any one of my Account(s) is issued.

"Terms and Conditions" means these Terms and Conditions governing access and use of Citibank Online as may be amended from time to time and wherever applicable, shall include:

(i) any rules, procedures, terms and conditions for products, services or facilities, as determined by Citibank from time to time, and

(ii) any documents, directives, correspondence and agreements referred to in these Terms and Conditions and made a part thereof, together with any amendments made from time to time to any of the foregoing.

"Third Party Account(s)" means either the Customer's own external account(s) or any account(s) of a third party, which are held and maintained by another bank or financial institution (other than Citibank) licensed under the Banking and Financial Institutions Act 1989 in Malaysia.

"Username" or "my Username" means a valid user identification successfully created by me to be used together with my Password to enable me to access and use Citibank Online and/or this Website in accordance with procedures and prompts set out in Citibank Online or the Website or as otherwise determined by you.

"US Persons" is described as any of the following

(i) any citizen or resident of the United States of America;

(ii) any corporation, partnership or entity organized or existing under the laws of any state, territory or possession of the United States of America;

(iii) any estate or trust of which any executor, administrator or trustee is a US Person;

(iv) any agency or branch of a foreign entity located in the United States of America;

(v) any non-discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary for the benefit or account of a US Person; or

(vi) any discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary for the benefit or account of a US Person; or

(vii) a foreign partnership or corporation formed by a United States Person principally for the purpose of investing in unregistered securities; or

(viii) any person with a United States of America account mailing address; or

(ix) any natural person holding a United States of America Green Card.

Use of the terms "I" , "me" , "my" , "mine" "myself" refer to a Customer.

PART C. OPERATIONAL RULES

1. ACCESSING CITIBANK ONLINE

1.1 Requirements

1.1.1 I may have access to Citibank Online so long as I have Accounts as may be determined by you from time to time and I have been issued/allocated with a PIN. As a Customer, I may access Citibank Online in accordance with Citibank's procedures and prompts located on the login section of this Website. Without limiting the generality of the above, I acknowledge that you may at your discretion refuse access to me.

1.2 My Username, Password and Security Details

1.2.1 Where you in your discretion make Citibank Online available to me, I agree to and must have a PIN issued/allocated to me in any suitable manner determined by you, if I do not already have one. I will then create a valid Username and Password using my PIN, my Card number and (in the case of CitiCards) a linked Account number within a time frame prescribed by you, failing which, I understand that you may refuse my access to my Accounts via Citibank Online. I am also required to provide Security Details to Citibank. In order to access Citibank Online, I need to key in my Username, Password and Security Details into the Customer Terminal in accordance with the prompts and procedures located on this Website.

1.2.2 I am responsible for keeping my Username, Password and Security Details confidential, and I will not at anytime or under any circumstances reveal my Username, Password and Security Details to any unauthorised party and shall take all steps to prevent discovery and/or disclosure of my Username, Password and Security Details by and/or to any unauthorised party. For security purposes, it is recommended that I memorise my Username, Password and Security Details (instead of recording them down) and that I change my Password regularly.

1.2.3 I understand and acknowledge my Username, Password and Security Details are confidential and constitute my signature for the purposes of Citibank Online as Citibank cannot conduct manual comparisons of my actual signature. I acknowledge and agree that my Username, Password and Security Details, or any changes made by me thereafter, are the means by which Citibank can identify me and that anyone using my Username, Password and Security Details will be able to have access to and conduct transactions through Citibank Online on my Account(s).

2. SERVICE AVAILABILITY

2.1 Citibank Online will usually be available 24 hours a day, 7 days a week unless otherwise specified in these Terms and Conditions. Some or all of the services that may be accessed through Citibank Online may not be available at certain times due to interruptions for necessary banking operations and/or processing, or the maintenance and/or malfunction of Citibank system and/or reasons beyond the control of Citibank. Citibank makes no warranty that Citibank Online or any service provided thereunder will be available at the times stated herein.

2.2 In connection with Citibank Online or any service provided thereunder, you shall be entitled at your discretion, without notice (save and except where notice is expressly required to be given under these Terms and Conditions), at any time to change the procedures, mode of operation or facilities available on Citibank Online or any service provided thereunder for any reason whatsoever and for any length of time and upon any conditions determined by you at your discretion.

2.3 Nothing in this Clause 2 or elsewhere in these Terms and Conditions shall limit your right to immediately:

(a) terminate, discontinue, withdraw and/or suspend my use or access of Citibank Online or any service provided thereunder including those of security or quality of service; and/or

(b) impose conditions or restrictions on your use or access of Citibank Online or any service provided thereunder, including those of security or quality of service; subject to notice being given to me.

2.4 List of Services

2.4.1 Subject to Clause 2.5 below, the following services may be accessible to me once Citibank Online is activated for me according to these Terms and Conditions and subject to the existence and continuation of my Account(s) with you:

2.4.2 In addition to the services listed in Clause 2.4.1 above, the following services will be accessible to CitiGold Members only and such access will be subject to the provisions set out in Part E of these Terms and Conditions:

• Portfolio tracker

• Monthly Market Outlook

• Bi-annual Market Outlook

• Financial Market Analysis

• Featured Articles

2.5 The services specified in Clause 2.4 above are the current Citibank Online services provided by Citibank. The services described as "Fund Transfers & Bill Payments" and "Obtaining Account Information and Transaction History" are the current Citibank Mobile services provided by Citibank. You reserve the right at any time to amend, add to, terminate, suspend, withdraw or revise any or all of the services available through Citibank Online or Citibank Mobile specified in Clause 2.4 above or in this Website, with notice. I understand that Citibank Online will be implemented in phases and I agree that I am responsible for acquainting myself with the full range of services currently available through Citibank Online at any one time.

2.6 I am also responsible for acquainting myself with the detailed guidelines and procedures for using each service provided under Citibank Online as more fully set out in any user guides and/or brochure that Citibank may issue from time to time and Citibank will not be liable for any errors caused by my use of the services provided under Citibank Online.

2.7 You reserve the right to (a) terminate, suspend, withdraw, access and/or use of any one or more of the services or functions at any time with notice; and (b) add to or revise the terms and conditions of access and/or use of any one or more of the services or functions at any time with notice.

3. FUND TRANSFERS & BILL PAYMENTS

3.1 Fund Transfers

3.1.1 The Fund Transfers service as provided through Citibank Online and Citibank Mobile ("Fund Transfers") allows me to transfer funds easily through Citibank Online and Citibank Mobile in accordance with and subject to these Terms and Conditions, any applicable Account Terms and Conditions and any limits, conditions and procedures imposed and/or revised by you or the relevant authorities at their discretion from time to time. The provisions contained in this Clause 3.1 may be revised from time to time by you with notice, unless specifically provided in these Terms and Conditions. I may use the Fund Transfers service provided that I am a Customer having an eligible Account. By accessing the Fund Transfers service I may conduct any or all of the following transactions:

(a) to transfer funds between my applicable Account(s);

(b) to transfer funds from my applicable Account(s) to the Citibank account of another customer of Citibank;

(c) to transfer funds or make inter-bank payments via GIRO, from my applicable Account(s) to such Third Party Account(s) that I may designate or nominate from time to time;

(d) to transfer or debit specified sums of money from my applicable Account(s) to settle any outstanding amounts (or part thereof) under a Card statement issued by Citibank (whether issued to a third party or otherwise); and/or

(e) to transfer or debit specified sums of money from my applicable Account(s) towards payment of any outstanding amounts (or part thereof) under my loan Accounts and/or other Citibank loan accounts of another customer of Citibank.

3.1.2 I can effect Fund Transfers from my applicable Accounts by keying into my Customer Terminal, instructions regarding the account numbers, the transferred amount and any other items required by Citibank "Fund Transfer Instructions") in accordance with your prompts and procedures and in the manner set forth in Clause 3.3.1 below.

3.1.3 If I wish to transfer funds from any Account(s) and you have placed a hold in respect of such funds, I can only transfer such funds from the relevant Account(s) after the expiry of the hold period.

3.2 Bill Payments

3.2.1 The Bill Payments service as provided through Citibank Online and Citibank Mobile ("Bill Payments") allows me to pay bills easily through Citibank Online and Citibank Mobile in accordance with and subject to these Terms and Conditions, any applicable Account Terms and Conditions and any limits, conditions and procedures imposed and/or revised by you or the relevant authorities at their discretion from time to time. I may use the Bill Payments service provided that I am a Customer holding a Card and having an eligible Account. By accessing the Bill Payments service in accordance with your procedures I may make payment from any one of my Cards or applicable Accounts to any Payee in settlement of any bills issued by such Payee (whether issued to a third party or otherwise) in accordance with and subject to these Terms and Conditions. The provisions set out in this Clause 3.2 may be revised from time to time by you with notice.

3.2.2 I can request for the Bill Payments service by inputting instructions regarding the payment amount and any other items required by Citibank ("Bill Payments Instructions") in accordance with your prompts and procedures and in the manner set forth in Clause 3.3.1 below.

3.2.3 In relation to Bill Payments I accept and agree to the following: -

(a) that you may at your discretion charge, withdraw or bill on my applicable Account(s) or, issue a cheque or otherwise make payment(s) to the relevant Payee(s) pursuant to my Bill Payment Instructions. I further acknowledge that you are not responsible for any interruptions, errors, omissions or delays in the issue or remittance of such cheque howsoever arising.

(b) that you have the discretion to modify, vary, add or delete, the particulars of any Payee or any Payee from your list of Payees at the 'Â®Bill Payment' section of Citibank Online and you will not be liable for any loss or damage which I may suffer as a result of your actions. Any such modifications, variations, additions or deletions to the list of Payees will not prejudice or affect any payment made, Bill Payment Instructions, or payment requests already completed prior to the modifications, variations, additions or deletions to the list of Payees.

(c) that all bills referred to in my Bill Payment Instructions are bills between myself (or a third party) and the Payee supplying the goods and/or services. You will not at any time be deemed to be a supplier of the goods and/or services, an agent of the Payee (or any other party or corporation involved in Citibank Online e.g. the credit card companies) or a party to such contract at any time whatsoever. I understand that you are only providing me with a service or facility (without obligation) of effecting payment of bills that will be charged, withdrawn or billed on my applicable Account(s) and are not in any manner associated with or part of the actual transaction of the sale of the goods and/or services and/or the bills that arise therefrom.

3.3 General terms Applicable to Fund Transfers and Bill Payments

3.3.1 I agree to adhere to the following procedures when using Fund Transfers and Bill Payments:-

(a) Finalisation of InstructionsOnce I have verified and finalised entry of my Instructions I will click on the relevant button or (if using Citibank Mobile) press the relevant button on my mobile phone to submit my Instructions in accordance with your prompts and procedures. I agree that such Instructions will be final and conclusive. I further agree that such Instructions will become effective and binding on me. Even if the payment transaction cannot be completed, or has resulted in error or in delay due to any error or incompleteness of the Instructions, Citibank will not be held responsible or liable to the fullest extent permitted by law.

(b) ChecksAfter each Instruction is finalised I am required to check the content(s) of the Instructions against the (i) summary report of the transaction displayed on my Customer Terminal screen, (ii) monthly statement of Accounts made available to me and/or (iii) transaction history ("Record of Transaction"). Should any discrepancy be found between the contents of any of the Record of Transaction and the relevant Instructions, I will immediately notify or ensure Citibank is notified of such discrepancy. Pending investigations of such discrepancy, Citibank will treat the data recorded in the computer of Citibank as the correct content of the transaction.

(c) DisputeIf I disagree with any amount that has been charged/paid pursuant to an Instruction as indicated in the Record of Transaction, the same should be communicated to Citibank in accordance with the applicable Account Terms and Conditions and resolved in accordance with the dispute resolution procedures provided in those terms and conditions.

3.3.2 Although you will endeavour to process the relevant Bill Payment Instructions and Fund Transfer Instructions soonest possible, I understand that you make no warranty that any of Instructions will be processed or that the Instructions will be properly made in accordance with the relevant Instructions until you respond with a positive Confirmation to me. If I do not receive a Confirmation (or any other confirmation) or if I have any queries on the status of my Instructions, I understand that I have to write to you via Citibank Online. In the meantime, I will not repeat the Instructions for the same transaction unless and until a Confirmation (or any other confirmation) has been received by me. In circumstances where there is a deadline or where immediate payment is required I will be responsible for making alternative arrangements for any Funds Transfer and/or Bill Payments payment. Citibank will not be held liable or responsible to me or any third party for any delays or failure to transfer funds and/or to make payments to the Payee(s).

3.3.3 You will not be obliged to carry out any Instructions (unless and until my applicable Account(s) or my overdraft facility (whichever is applicable) has sufficient funds or credit to transfer or pay the relevant amount(s) indicated under the relevant Instructions. Funds for ALL transfer and/or payment amounts will be immediately withdrawn from or charged on my applicable Account on the Business Day on which the Instructions was issued, or by the next Business Day, or such other day as you may at your discretion determine.

3.3.4 You will not be responsible for any charges imposed or any other claim made or action taken by a Payee or other third party in any of the following situations (and I undertake to fully indemnify, defend and hold you harmless against any and all claims, demands, suits, actions, judgements, damages, costs, losses, expenses (including legal fees and expenses on a solicitor and client basis) and other liabilities arising from any one or more of the following situations:-

(a) I do not have sufficient funds and/or credit in my Account(s) to give effect to fund transfer or bill payment according to the conditions and procedures imposed and/or revised by you at your discretion from time to time;

(b) An order of court, governmental directive or regulation or legal requirement directs you to prohibit withdrawals from the relevant Account(s);

(c) My Account(s) is/are closed or any funds in my Account(s) have been put on hold;

(d) My use of the Bill Payments service and/or Fund Transfers service will cause the balance of my applicable Account(s) to go over the credit limit for any credit arrangement(s);

(e) I have not provided you with complete and correct Instructions according to the conditions and procedures imposed and/or revised by you at your discretion from time to time, including without limitation the name, address, account(s) number, and payment amounts for the Payee in respect of the Bill Payment Instructions;

(f)My Fund Transfer via GIRO has been delayed, rejected or refused or has otherwise not been effected for any reason whatsoever;

(g) I did not correctly use Citibank Online;

(h)Circumstances beyond your reasonable control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the processing of the Fund Transfer Instructions and Bill Payment Instructions, despite reasonable precautions taken by you;

(i) The Payee mishandles, delays, refuses, rejects, or does not, for any reason whatsoever, receive a payment sent by you.

(j) Any changes to the address or other particulars of the Payee(s) and/or the beneficiary of the Fund Transfer Instructions; and

(k) The Fund Transfers service and/or Bill Payments service or Citibank Online is temporarily unable to receive or process the relevant Instructions for any reason whatsoever.

3.3.5 You reserve the right to refuse or terminate my access and use of the Fund Transfers and/or Bill Payments by giving me notice. I undertake to indemnify you against any loss which you incur as a result of my act or omission in relation to or arising out of my access or use of the Fund Transfer service and/or Bill Payment service to the fullest extent permitted by law.

3.3.6 You may, however, at your discretion and from time to time upon giving notice, impose transfer and payment limits or revise the transfer and payment terms and conditions. I further authorise you to withdraw, charge or debit from my Account(s) all sums due and owing, including any service charge, transaction fees, access fees, use fees, and/or any other amount imposed by Citibank in respect of the Fund Transfers and/or Bill Payments or pursuant to these Terms and Conditions.

3.3.7 All Fund Transfer Instructions and Bill Payment Instructions received by you shall be processed at your discretion. You reserve the right to refuse to act on any Instructions for any reason whatsoever, even though you have received such Instructions from me.

3.3.8 If my Fund Transfer via GIRO is refused, rejected or not effected for any reason whatsoever, you are not be obliged to inform or notify me of the same. I acknowledge and agree that I am responsible for ensuring that all details and particulars of any Third Party Account(s) are accurate and correct. Furthermore I agree that I will be solely responsible for checking my Account(s) statements and monitoring my Account(s) activities in order to ensure that my Fund Transfer via GIRO has been effected.

3.3.9 Fund Transfers and Bill Payments are only be available to me for transactions in Ringgit Malaysia, unless Citibank in its discretion determines otherwise.

3.3.10 Before a Fund Transfer and/or Bill Payment can be made to a Third Party Account, Citibank account of another Citibank customer and/or Payee for the first time, I agree that I have to activate the said Third Party, Citibank customer and/or Payee by keying in the relevant Online Authorisation Code according to the prompts and procedures set out in the Website.

4. REQUEST PURCHASE OF MANAGER'S CHEQUE(S)

4.1 I can use Citibank Online to request to purchase Manager's Cheque(s) as provided through Citibank Online ("Manager's Cheque(s)") subject to the applicable fees and charges.

4.2 Any request to purchase Manager's Cheque(s) received by you on any non-Business Day or after 3.30pm on any Business Day will be deemed received on the following Business Day.

4.3 The currency of any Manager's Cheque(s) issued under or pursuant to Citibank Online must be in Ringgit Malaysia.

5. TRANSACTION RECORDED IN MONTHLY STATEMENT

5.1 You will not print or issue any advice or confirmation for any transaction(s) conducted via Citibank Online on each and every occasion that a transaction is conducted. However, all my transactions that are conducted via Citibank Online will berecorded in the relevant monthly statements which will be issued to me by you on a monthly basis. I may produce a printout of any one of my transaction(s) conducted via Citibank Online from my Customer Terminal. For the avoidance of doubt, nothing in this provision will prevent you from issuing any advice or confirmation for any transaction conducted via Citibank Online on a case-by-case basis or as you may determine in your discretion.

6. OBTAINING ACCOUNT INFORMATION AND TRANSACTION HISTORY

6.1 I can use Citibank Online and/or Citibank Mobile to access and view information, transaction history and the account balance of any one of my eligible Account(s), whereby all financial information displayed will be shown in Ringgit Malaysia.

7. CITIBANK ONLINE DOCUMENT FACILITY

7.1 I may use the Citibank Online Document Facility ("E-Statement Facility") provided that (a) I enrol myself in accordance with Citibank's enrolment procedures and prompts provided in this Website including entering into the Citibank Online Document User Agreement and (b) my application to so enrol has been approved by you. You have the discretion to reject any request for my enrolment for the E-Statement Facility.

7.2 Upon my successful enrolment, I may access the E-Statement Facility which will allow me to view my monthly (or such other period as determined by Citibank) statement of Account(s) in an electronic form through the medium of my computer terminal, or other medium which has been made available by Citibank, which can be viewed online ("Electronic Statement") after any cycle cut-off date and to transmit certain instructions (as supported by Citibank) to the E-Statement Facility. The Electronic Statement will only be available for viewing for a period of twelve (12) months (or for such period as decided by Citibank and notified to me) from the date of any respective and applicable Statement Date.

7.3 By using the E-Statement Facility, I accept and agree to be bound by the general terms and conditions governing the E-Statement Facility, including without limitation all the terms and conditions in the Citibank Online Document User Agreement. I agree to be bound by any and all laws, rules, regulations and official issuances applicable to the E-Statement Facility, now existing or which may hereinafter be enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services that Citibank may from time to time make available to me in connection with the E-Statement Facility.

7.4 I agree that you have the discretion to make E-Statement Facility available to me. Further you have the discretion from time to time and upon giving notice to me to modify, restrict, withdraw, cancel, suspend or discontinue the E-Statement Facility without giving any reason and I understand that by using the E-Statement Facility after any modification or change has been effected, I would have agreed to such modification or change.

7.5 I will enroll in the E-Statement Facility and will provide my e-mail address. Citibank acknowledges that any such e-mail address that I provide is proprietary in nature and belongs to me. You have the discretion to reject any request for my enrollment in the E-Statement Facility.

7.6 Upon my enrollment in the E-Statement Facility, the paper based statement of Account will cease to be generated on the next Statement Date or sent to my last known or recorded mailing address. Instead, Citibank will generate on the relevant Statement Date(s) Electronic Statement(s) and I agree to accept and view them in a timely manner. The availability of the Electronic Statement(s) at Citibank's website located at www.citibank.com.my ("Website") on the relevant Statement Date will be deemed the date of delivery of the monthly statement of Account(s) and the said statement of Account(s) will be deemed to have been sent to and received by me. However in some circumstances or upon the occurrence of certain events as determined suitable by Citibank, Citibank may send to me the paper based statement of Account to my last known or recorded mailing address.

7.7 You likewise reserve the right to impose a fee for the E-Statement Facility at your discretion at any time upon giving notice to me.

7.8 Cancellation of use of the E-Statement Facility may be effected by either party. In some circumstances or upon the occurrence of certain events, with notice to me, you reserve your right to cancel my enrollment in the E-Statement Facility. In instances where my enrollment with the E-Statement Facility is cancelled or terminated, I may apply to enroll for the E-Statement Facility in accordance with these terms and conditions and subject to the discretion of Citibank to accept or reject my application. Upon cancellation, you may on the next relevant Statement Date generate and send the paper based statement of Account to my last known or recorded mailing address.

7.9 I agree that you will not be liable if I am unable to gain access to the Website or Citibank system from time to time. I understand that while the E-Statement Facility is available beginning on Statement Date 24-hours a day, some or all of the services offered may not be available at certain times due to maintenance and/or computer, communication, electrical or network failure or any other causes beyond Citibank's control.

7.10 Although you may use reasonable endeavour to ensure that the E-Statement Facility is secure and cannot be accessed by unauthorized third parties you do not warrant the security or confidentiality of any information transmitted through any applicable Internet service provider, information/communication network service provider, network system or such other equivalent system in any jurisdiction via the E-Statement Facility.

7.11 The E-Statement Facility uses proprietary software of Citibank, and its affiliates and/or other software suppliers. I agree that you have granted me a non-exclusive license limited to use of this software in connection with the E-Statement Facility which allows me to use such software only for its intended purpose. I understand and warrant that I will not disassemble, decompile, copy, modify or reverse engineer any such software or allow anyone else to do so and if I do, you have recourse against me in the Courts of Law, tribunal or any other establishment under which you are entitled to seek such recourse against me.

7.12 I agree to examine and view online the Electronic Statement in a timely and prompt manner. If there is delay or failure in the delivery of the Electronic Statement ("Non-receipt") or there is any error, irregularity, discrepancies, claims or unauthorised debits or items ("Error") appearing in the Electronic Statement, I will notify Citibank immediately by sending to Citibank an e-mail via Citibank Online or calling Citiphone Banking at the telephone number(s) listed on this Website. If any Non-receipt or Error is not reported to Citibank within the number of days from the Statement Date as further described and provided in the Customer Notices portion of the Website for a particular Electronic Statement, I will be deemed conclusively to have accepted all the matters contained in the Electronic Statement to be true, accurate and correct in all respects.

7.13 I agree that all my online or electronic communications including requests or reports on any Error in my Electronic Statement will be by way of sending an email via Citibank Online or calling Citiphone Banking at the telephone number(s) listed on this Website and all such communications will contain the following information: (a) name and account number; (b) details of the error; and (c) such other information as required by Citibank.

7.14 If there is any change to or irregularity in my mailing, email address or other particulars relevant to this Agreement, I have the responsibility to ensure that Citibank is immediately notified of such change or irregularity.

7.15 To the fullest extent permitted by law, under no circumstances, will Citibank or anyone involved in creating, producing, delivering or managing my statement of Account, be liable for any direct, indirect, incidental, special or consequential damages that may result from the use or inability to use the service.

7.16 If I have further requested and registered for the delivery of my Electronic Statement to my e-mail address:-

7.16.1 I agree unconditionally to be bound by these terms and conditions (including all amendments, revisions and additions, which you may at your discretion effect from time to time upon giving notice to me) in addition to the Citibank Online Document User Agreement.

7.16.2 I understand that Internet transmission lines may not be encrypted and that e-mail is not a secure means of transmission, although Citibank will endeavour to best secure such transmission. I acknowledge and accept that such unsecure transmission methods involve the risk of possible unauthorized alteration of data and/or unauthorized usage thereof for whatever purposes. To the fullest extent permitted by law, I agree to absolve Citibank from any and all responsibility and liability arising from such misuse and further agree to hold Citibank free and harmless from all losses, costs, damages and expenses that may be suffered by me due to any errors, delays or problems in transmission or unauthorized or illegal interception, alteration, manipulation of electronic data or otherwise caused by using e-mail as a means of transmission.

7.16.3 I am aware of all security risks including the risk of the content of my statement of Account becoming known to third parties. To the fullest extent permitted by law, I agree that I will not hold Citibank in any way responsible for the same and agree that the same would not be considered as a breach by Citibank of banker-customer confidentiality.

7.16.4 The use and storage of any information including without limitation, the password, account information, account balances, transaction activity and any other information available on my personal computer is at my own risk and my sole responsibility and liability.

7.16.5 Citibank would be deemed to have delivered the statement of Account to me when Citibank sends the statement of Account to my email address on the relevant Statement Date. I agree that Citibank will not be liable for any non-delivery, disruption or technical failure that prevents me from receiving and/or viewing my statement of Account sent via e-mail. I understand that while I have opted to receive my statement via e-mail, Citibank has also made available my statement for online viewing through the E-Statement Facility via the Internet banking service. It is therefore my responsibility to ensure that I use the E-Statement Facility as an alternative means to view my statement of Account. I agree that I am obligated to notify Citibank immediately if there is any Non-receipt of, or Error in, my statement of Account, in the manner and as provided in the terms and conditions of the Citibank Online Document User Agreement.

8. STATEMENT REQUEST

8.1 I can use Citibank Online to request for paper based statements of any one of my Account(s), subject to applicable fees and charges, to be generated and sent to my last known or recorded mailing address.

9. CHEQUE BOOK REQUEST

9.1 I can use Citibank Online to request for and place online orders for cheque books in relation to relevant Accounts, subject to applicable fees and charges.

10. TIME DEPOSIT PLACEMENT (COMMON PARTY)

10.1 I may use the Time Deposit Placement facility as provided through Citibank Online ("Time Deposit Placement") provided that I have an existing Time Deposit account under the applicable Account Terms and Conditions with Citibank. You have the discretion to reject any request for my use of the Time Deposit Placement facility.

10.2 If you allow me access to use the Time Deposit Placement facility, I may transfer funds from my savings Account(s) and /or current Account(s) held with Citibank, to a Time Deposit account, in accordance with the terms and conditions and procedures determined by you from time to time.

10.3 Any request to access and use this Time Deposit Placement facility that is received by you on any non-Business Day or after 3.30pm on any Business Day, will be deemed received on the following Business Day.

11 INFORMATION SERVICES

11.1 Financial Market Data

11.1.1 You may provide me with access to financial market data. In this context the term 'Â®financial market data' includes without limitation any financial market news, stock quotes and/or market feeds. By requesting financial market data through Citibank Online, I agree that:

(a) financial market data may be supplied by a third party (hereinafter referred to as "Third Party Provider") and if so, then all proprietary rights in such financial market data are, owned by that Third Party Provider unless provided otherwise. Therefore, subject to such third party rights in the financial market data, Citibank (or our designee) owns all proprietary rights in and to the financial market data;

(b) you, any entity within Citigroup, and/or any other Third Party Provider do not guarantee the accuracy or reliability of such data and shall hold no responsibility nor liability for any loss, damage and/or other liabilities that I may suffer as a consequence of my reliance on or any inaccuracies, errors, omissions, delays, interruptions, non- performance in or any other problems pertaining to the financial market data, whether supplied by the Third Party Provider or by you;

(c) any financial market data made available to me by you is solely for my personal and lawful use and shall not be furnished to any other person or entity for any reason. My use of such financial market data is at my sole risk;

(d) any financial market data made available to me by you is for reference purpose only and does not constitute any offer or solicitation or advice to buy or sell any security;

(e) any financial market data made available to me by you does not constitute bank deposits or obligations of or guaranteed by Citibank or any other entity within Citigroup, and involve risks, including the possible loss of the principal amount invested. Prices of security and income distribution payable, if any, may go down as well as up ; and

(f) any financial market data made available to me by you are not available to US Persons and may not be available in all jurisdictions.

11.1.2 I acknowledge and agree that you and any of the other Third Party Provider(s) reserve the right to suspend, block, withdraw or terminate my access and/or use of any or all of the financial market data at any time without notice.

11.2 Financial Articles and Newsletters

11.2.1 You may provide me with access to financial articles, newsletters, research materials, and other information resources as you may determine from time to time.

11.2.2 I accept and agree that Clause 11.1 above will be adopted and applied to this Clause 11.2.2 as if Clause 11.1 referred to financial articles, newsletters, research materials, and other information resources in place of financial market data.

12 ALERTING SERVICE

12.1 Alerting Service is a service which allows me to request and receive specific and timely prompts (collectively, "Alerts", individually, an "Alert") in respect of certain information provided by you from time to time.

12.2 I may be notified of each Alert via email, the Customer Terminal, the Short Messaging Service ("SMS") and/or other communications device (supported by certain communications network service providers only) subject to the relevant terms and charges of my Internet service provider and/or information/communications network service provider

12.3 Each Alert will be effective after you have processed my request. The time for processing Alerting Service will be determined by you at your discretion. I accept that each Alert may not be encrypted and may comprise my name and information pertaining to my Account(s).

12.4 I am fully aware that my receipt of each Alert may be delayed or prevented by factor(s) affecting the relevant service provider(s), mobile phone operator(s), communications network service provider(s), stock exchange(s), currency market(s) and such other relevant entities. I accept that you neither guarantee the delivery nor accuracy of the contents of each Alert. To the fullest extent permitted by law, you will not be liable to me or anyone else for losses or damages arising from (a) a non-delivery, delayed delivery or wrong delivery of each Alert; (b) inaccurate content of each Alert; or (c) my use or reliance on the contents of any Alert for any purposes including investment and business purposes.

12.5 You reserve the right to terminate or refuse any request by me for any Alert at any time, with notice to me. The information in respect of any Alert may be subject to certain time lags and/or delays. The features of any Alert or this service may be varied or discontinued by you at your discretion from time to time.

13. CITIBANK REWARD POINTS INQUIRY & REDEMPTION

13.1 I may use the Citibank Reward Points Inquiry & Redemption as provided through Citibank Online ("Citibank Reward Points Inquiry & Redemption"), provided that I hold and maintain one or more Card(s) Accounts.

13.2 I acknowledge and accept that by using my Card(s), I will be bound by any applicable terms and conditions relating to the Citibank Reward Points Inquiry & Redemption ("Citibank Rewards Program Terms and Conditions").

14. INVESTMENT AND INSURANCE PRODUCTS AND SERVICES

14.1 Unit Trust Fund(s)

14.1.1 You may provide me with access to information resources relating to Unit Trust Funds and/or any other such funds that you determine from time to time, including without limitation any E-Prospectus(es) as defined in Clause 14.1.4 below), fund fact sheet(s) and/or report(s). I understand that "Unit Trust Fund(s) means any arrangement made for the purpose, or having the effect, of providing facilities for the participation of persons as beneficiaries under a trust in profits or income arising from the acquisition, holding management or disposal of any securities, futures contracts and/or any other property.

(a) that Unit Trust Funds are not deposits and are not obligations of, not guaranteed by, and not insured by, Citibank or any entity within Citigroup, or by any government or insurance agency. Investment products are subject to investment risks(s) (as defined in Clause 14.1.3 below), including the possible loss of the principal amount invested;

(b) that E-Prospectuses (if any), fund fact sheets, reports and/or all other information resources relating to Unit Trust Funds, which are made available to me through Citibank Online, do not constitute nor are intended to constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such E- Prospectuses, fund fact sheets, reports and/or all other information resources relating to Unit Trust Funds, or make such an offer or solicitation by Citibank or any entity within Citigroup;

(c) that past performance in respect of any Unit Trust Fund(s) is not indicative of future performance and further that prices of Unit Trust Fund(s) and income distribution payable, if any, may go down as well as up;

(d) Unit Trust Fund(s) and any other investment products offered under Citibank Online are not available to US Persons and may not be available in all jurisdictions;

(e) that you, and/or any other entity within Citigroup do not guarantee the accuracy or reliability of the information resources relating to Unit Trust Fund(s) and to the fullest extent permitted by law, will have no responsibility nor liability for any loss, damage and/or other liabilities that I may suffer as a consequence of my reliance on or any inaccuracies, errors, omissions, delays, interruptions, non-performance arising from the information resources relating to Unit Trust Funds made available through Citibank Online;

(f) that you may determine at your discretion the scope and extent of information resources on Unit Trust Fund(s) that I may access through Citibank Online; and

(g) to read and understand the relevant E-Prospectus (if any) or any relevant information pertaining to investment products and services made available to me from time to time through Citibank Online.

14.1.3 I understand "Investment Risk(s)" to mean the potential for fluctuation in the value of any investment(s), which may be caused by any circumstances, including without limitation, interest rate fluctuation risk, foreign exchange risks, country and political risks, etc.

14.1.4 I understand "E-Prospectus(es)" to mean the valid and updated electronic prospectus(es) each of which relates to and contains information about the Unit Trust Funds that are accessible to the Customer through Citibank Online, and of which corresponding paper-based prospectus(es) (as defined in the Capital Markets and Services Act 2007) have been registered with the Securities Commission, Malaysia.

14.2 Insurance Products

14.2.1 I can access and view information resources relating to insurance products as provided through Citibank Online ("Insurance Products"), that you may determine in your discretion.

14.2.2 By requesting information resources relating to Insurance Products through Citibank Online, I accept and agree:-

(a) Citibank Online;

(b) that the information resources relating to Insurance Products may be supplied by a third party and if so, then all proprietary rights in such information resources are, owned by that third party provider unless provided otherwise. Therefore, subject to such third party rights in the said information resources you and/or other entities within Citigroup own(s) the proprietary rights in all the information resources relating to Insurance Products;

(c) that you and/or any other entity within Citigroup do not guarantee the accuracy or reliability of such information resources relating to Insurance Products and shall not be held responsible or liable for any loss, damage and/or other liabilities that I may suffer as a consequence of my reliance on or any inaccuracies, omissions or other errors pertaining to the information resources relating to Insurance Products whether supplied by the third parties or you;

(d) that any information or data made available to me by you is solely for my personal and lawful use;

(e) Insurance Products are the obligation of the relevant insurance company/companies providing such Insurance Products;

(f) that the information resources relating to Insurance Products or the Insurance Products themselves do not constitute bank deposits or obligations of or guaranteed by Citibank or any other entity within Citigroup; and

(g) that the information resources relating to Insurance Products or the Insurance Products themselves which are made available to me through Citibank Online, do not constitute nor is intended to constitute the:

(i) making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank or any other entity within Citigroup for subscription of insurance products by persons in jurisdictions in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorised or unlawful; and/or

(ii) distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised/the Insurance Products themselves, or make such an offer or solicitation.

15 CHANGE OF ADDRESS

15.1 I undertake to notify you when there is a change in my mailing, contact numbers, e-mail addresses or other addresses and particulars via Citibank Online in accordance with these terms and conditions. It is my obligation to inform you immediately in accordance with these terms and conditions where there is a change in such particulars at anytime. Requests received by you on any public holiday or after 3.30 p.m. on any Business Day will be deemed received on the following Business Day. I understand and agree that I will be liable for any losses, damages and/or expenses arising from my failure and/or omission to do so.

PART D : GENERAL TERMS AND CONDITIONS

16 MY INSTRUCTIONS & REQUESTS

16.1 I authorise you to act upon any Instructions and/or any requests which are identified by the use of my Username, Password and Security Details. I agree that such Instructions and/or requests, upon receipt by you, will be effected in accordance with the procedures, limits and conditions determined by you from time to time. I also agree that any Instructions and/or requests received by you identified by the use of my Username, Password and Security Details will be deemed to have been issued by me even if such Instruction(s) and/or requests may have been issued by a third party, whether authorised or otherwise, and that I will be bound by such Instructions and requests.

16.2 You will neither be liable for acting upon such Instructions and/or requests nor be obligated to investigate the authenticity or authority of persons effecting my Instructions and/or requests or verify the accuracy and completeness of my Instructions and/or requests. Such Instructions and/or requests will be deemed irrevocable and binding on me upon your receipt notwithstanding any error, fraud, forgery, and lack of clarity or misunderstanding in respect of the terms of such Instructions and/or requests. I undertake to notify you immediately upon receipt of incomplete, garbled or inaccurate data or information from you. I also undertake notify you immediately upon receipt of any data or information which is not intended for me and I will delete and ensure the deletion of such data or information from the Customer Terminal immediately.

16.3 I will accept full responsibility for all transactions executed via Citibank Online and in particular for ensuring the accuracy and completeness of my Instructions and/or any requests.

16.4 I agree that you may at your discretion cancel or not execute any or all of my Instructions and/or requests at any time. I further agree that any requests by me to cancel, revoke or otherwise amend any earlier request of mine may not be executed by you if my earlier request has already been completed or executed at the time of receipt or execution by you of my request for cancellation, revocation or amendment or otherwise is outside Citibank's reasonable control.

16.5 You may, but are not obliged to, verify any Instructions and/or requests given via Citibank Online by sending an email or message to my given email address or calling me via telephone or by any other means.

16.6 Even if there are contrary provisions in these terms and conditions, I understand and agree that all Instructions and requests received by you will be processed at your discretion. I agree that proof of any transmission via Citibank Online does not constitute proof of receipt of any Instructions or communications by you.

17 PROTECTING MY CARD(S) AND/OR MY ACCOUNT(S)

17.1 My role is of utmost importance in the prevention of any unauthorised use of or payment made using my Accounts. I undertake to promptly examine my Account(s) statements upon receipt and immediately notify Citibank in the manner set out in the applicable Account Terms and Conditions if I discover any discrepancies, omissions or charges wrongly made to my Accounts or, if I believe my Card, Accounts or records of my personal identification information (including without limitation my Username, Password and/or PIN) have been lost or stolen, or someone has otherwise misused/used my Card(s) and/or Accounts without my permission. I agree that any such disputed or unauthorised payments (including refunds of any monies paid in excess) is to be dealt with and resolved between Citibank and myself.

17.2 In addition I undertake to take precautions to protect my Card details and personal identification information (such as my Username, Password, PIN, and/or other such security codes) as it is my responsibility to protect my Card details and personal identification information or security codes with the same level of care as I protect my Account(s) details. This information by itself or together with my Card(s) and/or my Account details may allow unauthorised access to and/ or operation of my Account(s). I will also not leave the Customer Terminal unattended without first logging out of Citibank Online, even if there is an automatic logout function on Citibank Online which I understand is strictly as failsafe measure only.

17.3 If my Card or records of my Username, Password, PIN, and/or Account details have been lost or stolen, or where someone has transferred or may transfer money from my Account(s) or has otherwise misused/operated my Account(s) without my permission, I undertake to comply with all procedures, terms and conditions prescribed by you with regard to my Account(s). I agree that all disputed or unauthorised payments made using my Account or Card details, my Username, Password, PIN and/or other security information will be referred, as is applicable, to you for verification and resolution.

17.4 Without affecting any other provision under these terms and conditions, I will indemnify, defend and hold you harmless from and against any and all claims, demands, suits, actions, judgements, damages, costs, losses, expenses (including legal fees and expenses on a solicitor and client basis) and other liabilities arising from, in connection with or related in any way to:

(i) my lost or stolen Card;

(ii) any unauthorised fund transfers and/or payments via Citibank Online as a result of my lost or stolen Card, Username, Password and/or PIN; or

18.1 I agree that neither you, nor any entity within Citigroup is or will be responsible for any electronic, mechanical, data failure or corruption, computer viruses, bugs or related problems that may be attributable to services provided by any relevant Internet service provider or information/communication network service provider.

18.2 All communications through Citibank Online which fulfil your internal requirements will be deemed to be valid, accurate and authentic, and given the same effect as, written and/or signed documentary communications. I agree not to dispute the validity, accuracy or authenticity of any evidence of any Instructions and/or any other requests or communication effected by any Citibank Online Use, including such evidence in the form of your computer records, transaction logs, magnetic tapes, cartridges, computer printouts, copies of any communication, or any other form of electronic information storage. I further agree that the above will be conclusive evidence of such requests or communications effected by any Citibank Online Use and communications received or despatched by you.

18.3 I understand that any access to Citibank Online will be effected through the relevant Internet service provider or information/communication network service provider in the country from where such service is accessed, and to this extent such access will also be subject to and governed by the relevant laws and regulations of that country and any terms and conditions prescribed by such relevant Internet service provider or information/communication network service provider.

19 VARIATION OF FEES AND SERVICES

19.1 I agree to pay the fees and charges for access and use of Citibank Online. The fee and charges are as specified by you from time to time in this Website. You may at your discretion, upon giving notice and at any time without my prior consent:

(a) impose a fee or charge for any Citibank Online Use, and for any re-extension thereof;

(b) modify, revise or increase any fee or charge already imposed for any Citibank Online Use Instructions and/or any other request or transaction initiated and/or completed via Citibank Online; and

(c) modify, restrict, withdraw, block or suspend any service or facility under Citibank Online at any time and for any period, whether temporary or not and you will not be liable to me for any loss or damage that I or any other party may suffer as a result.I agree that my continued Citibank Online Use is deemed my consent to the fees and charges stated in this Clause 19.1.

19.2 For the avoidance of any doubt, the fees and charges mentioned in Clause 19.1 above apply to the fees and charges for the access and/or provision of Citibank Online or any product, service, information or content contained in Citibank Online. It does not include any other bank charges, processing fees, administrative charges or other fees and charges imposed by you for any particular product and/or service (whether contained in Citibank Online or otherwise) that you may provide as a result of my Instructions and/or other requests or at my request, which fees and charges will be borne by me in addition to the fees and charges stated in Clause 19.1 above. Such fees and charges will, if applicable, be in accordance with the applicable Account Terms and Conditions or otherwise as specified by you. As such fees and charges may be modified from time to time, it will be my responsibility to contact you from time to time for any information on fees and charges especially prior to my sending any Instructions and/or other requests to you under or pursuant to Citibank Online.

19.3 I agree that all payments made and fees, charges or other costs and expenses incurred hereunder, whether direct or indirect, as a result of my Fund Transfer Instructions, Bill Payment Instructions or otherwise resulting from Citibank Online Use (including without limitation any applicable governmental fees, taxes or levies, stamp duty, returned payments, disputes on amounts, etc) will be charged to or withdrawn from my relevant Account(s) and payment for such amounts will be dealt with and resolved in accordance with the relevant Card(s)'s or my Account(s)'s terms and conditions.

19.4 I confirm that in connection with Bill Payments, you will not be responsible for any failure on the part of the Payee to refund any moneys to me in respect of my Bill Payment Instructions and/or request and my sole and exclusive recourse will be against the Payee only.

20 USE OF INFORMATION

20.1 Citibank will take reasonable measures to ensure the accuracy and validity of information relating to Citibank and Citibank's services, as described in Clause 2 above, that is provided directly by Citibank.

20.2 Except as specifically provided in these terms and conditions and to the fullest extent permitted by any applicable laws, regulations, judicial or other governmental order, guidelines, directive or notice in Malaysia (including regulatory or other official bodies or entities to which Citibank is subject), I acknowledge and agree that you make no representations and/ or warranties in respect of the products, services, information, advice and content relating to commercial, business or financial transactions, or investments, or any other information, material, content and other items (including all text, advertisements, graphics, data and links to other websites and also including products, services, information and content of third parties) contained in this Website or provided to me under or pursuant to Citibank Online ("Material") including without limitation, representations or warranties in respect of the quality, accuracy, adequacy, timeliness, fitness for any purpose or completeness of any of the Material.

20.3 I further accept and agree that the Material is and will be provided to me on an "as is" and "as available" basis and that I will be solely responsible to evaluate, make diligent queries and conduct my own investigations into the quality, accuracy, adequacy, timeliness, completeness and fitness for a particular purpose of any such Material. I specifically agree that I will not rely on any Material to conduct my activities, without first obtaining independent advice and I acknowledge and accept the risk in failing to do so.

20.4 In particular and without departing from the obligations stated in or limiting the generality of Clauses 20.1, 20.2 and 20.3 above, I understand and agree that:

(a) You are not responsible for and make no warranties in respect of the products, services, information or content available on or transmitted from any websites or portals linked to this Website. You are providing these links to me only as a convenience and the inclusion of any link does not imply endorsement or approval by you of the applicable website or portal. Access to and use of such other websites or portals is at my own risk and subject to any terms and conditions applicable to such access/use; and

(b) You are not responsible for the products, services, information or content provided by third parties whether contained within this Website or otherwise provided under or pursuant to Citibank Online.

20.5 I understand and agree that although you will use reasonable endeavours to ensure that Citibank Online is secure and cannot be accessed by unauthorised third parties, you do not warrant the security or confidentiality of any information transmitted through any relevant Internet service provider, information/communication network service provider, network system or such other equivalent system in any jurisdiction via Citibank Online.

21. USE RESTRICTIONS

21.1 I understand and agree that the permission or rights for me to access and use Citibank Online is granted only for my own personal use. In addition to any other conditions or restrictions governing my Citibank Online Use or my Accounts, I agree that:

(a) I will not use this Website or Citibank Online (or any service, information or product thereunder) for any illegal or unlawful purpose or where otherwise prohibited under law.

(b) I will not modify, copy, distribute, transmit, use or otherwise deal with any of the products, services, information or content of this Website or Citibank Online without first obtaining your written approval unless expressly allowed under these terms and conditions.

(c) I will not use this Website or Citibank Online (or any service, information or product thereunder) in any manner which could damage, disable, corrupt or impair this Website or the hardware and software system, security protocols, information/service provider networks or other operations.

(d) I will not post, send or transmit any unauthorised content on to or through this Website including without limitation, content that: -

(ii) "junkmail", "spam", "chain letters" or any other form of unauthorised materials; and

(iii) contains software viruses, malware, spyware or any file or program that may interrupt, disable, corrupt or impair this Website or the hardware and software system, security protocols, information/service provider networks or other operations.

(e) I will ensure that I always have sufficient funds and/or credit in my Account(s) in order to carry out any Instructions and/ or other requests given pursuant to these terms and conditions.

22. DISCLOSURE OF MY INFORMATION

22.1 I expressly agree that Citigroup are permitted to process including but not limited to collect, use, store and share Data.

22.2 For the purposes of sub-paragraph (a) above, "Data" means public and non-public information from any source about:

(g) any of my and/or security providerâ€™s accounts, transactions and dealings with Citigroup or any other party.

22.3 The purposes for which Data is collected and further processed depends on the nature of my relationship with Citigroup and the products and services I obtain from Citigroup. Purposes for which Data may be used include:-

(a) to establish a relationship between me and Citigroup;

(b) to process applications for products and services;

(c) for risk management;

(d) to provide services and products to me;

(e) for data processing purposes;

(f) to evaluate and monitor provision of products and services;

(g) to respond to inquiries from me;

(h) for deposit insurance purposes;

(i) for research and development of products and services;

(j) for debt collection purposes;

(k) for enforcement of rights and obligations;

(l) for assessing, processing and investigating insurance risks and claims;

(m) to enable a party to evaluate any proposed assignment, participation, sub-participation, and/or novation of your rights and/or obligations;

(s) marketing products and services; (t) for such other purposes as permitted by applicable law or with my consent; and

(u) for all other purposes incidental or associated with the above.

22.4 (a) I understand and agree that the Data may be transferred to, used and stored in other jurisdictions, the laws of which may not offer the same level of protection as the laws of the jurisdiction from which the Data originates. The Data may also become subject to the legal disclosure requirements of other jurisdictions.

(b) I understand and agree that Citigroup is permitted to disclose the Data, for confidential use to:

(1) and among Citigroup;

(2) Bank Negara Malaysia ("BNM") and the Credit Bureau, the Central Credit Reference Information System ("CCRIS") and the Dishonoured Cheques Information System ("DCHEQS") maintained by BNM, such body or authority having jurisdiction over Citigroup and any credit reference agencies;

(3) comply with any law, regulation, or request by any government, court, administrative, regulatory or other authorities;

(4) any agents and persons to whom Citibank outsources the performance of its operational functions (including, without limitation, any third party service provider) and/or who provides any services, whether within or outside Malaysia;

(9) any parties engaged by Citigroup to enable or assist Citigroup to exercise its rights and perform its obligations;

(10) to such parties as may be permitted by the laws of Malaysia, whether within or outside Malaysia, for any of the purposes set out in this Clause 22.

(c) I agree that Citigroup may give my personal data and, where applicable, that of my beneficial owners, persons under the trust, partners, committee members, directors, officers or authorized signatories to other parties outside Citigroup, for any use as specified above, including for commercial purposes.

(d) I understand and agree with the consequences of the giving of my personal data and those of the other persons mentioned above to parties outside of Citigroup.

22.5 (a)(i) Citigroup does not guarantee the security of any information transmitted by or to it through any means of communication or correspondence (including mail, courier service, electronic mail or other electronic means (including SMS).

(ii) I accept the risk that such information may be accessed by unauthorized third parties and/or disclosed by Citigroup and by its officers, employees or agents to third parties purporting to be the intended recipient.

(iii) Regardless of the above, I agree that Citigroup will transmit such information to the address or other relevant particulars specified by me, and that such information may not be protected with encryption, password protection or any other form of security from disclosure to unauthorized third parties. I accept the risk that such transmission of information may be received, accessed or disclosed to third parties other than the intended recipient(s).

22.6 (a) To the fullest extent permitted by law, Citigroup is not liable for any losses, costs, damages, expenses, claims and demands arising directly or indirectly in connection with any disclosure of information to third parties by Citigroup in the course of its carrying out a transaction or an instruction transmitted by any means of communication or correspondence, where such disclosure arose through physical or electronic interference by a third party.

(b) To the fullest extent permitted by law, I will not hold Citigroup responsible or liable, in contract, tort, equity or otherwise, for any such access or disclosure or for any losses, costs, damages, expenses, claims and demands suffered or incurred by me or any third party as a result of any such access or disclosure. Any such liability that the Bank may have is limited to direct damages only.

22.7 Unless otherwise notified by me in writing or by calling Citiphone Banking at the telephone number(s) listed on this Website, I agree and permit you to send commercial electronic messages to me relating to your products and/or services (i.e. either by way of electronic mail and/or SMS), which may be unsolicited and/or sent in bulk to your clients.

22.8 I represent and warrant that I have obtained the agreement and consent of all relevant persons, including my beneficial owners, persons under the trust, partners, committee members, security providers, directors, officers and authorized signatories, to any disclosure of information relating to them pursuant to this Clause 22.

22.9 I agree that my consent in these terms and conditions constitutes my consent for any such disclosure for the purposes of:

(d) any other requirement whether statutory, contractual or otherwise and whether or not having any force of law.

23. APPLICABLE LAWS AND REGULATIONS

23.1 I agree that my access and use of Citibank Online and these terms and conditions will be subject to my strict compliance of the laws of Malaysia, including without limitation, any judicial or other governmental order, guidelines, directive or notice (including Bank Negara Malaysia, regulatory or other official bodies or entities to which Citibank is subject). Where applicable, I undertake to obtain from Bank Negara Malaysia any relevant approval(s) pursuant to the Exchange Control Regulations. If there are any international transactions via Citibank Online (including my access of Citibank Online outside of Malaysia), I shall not violate the laws existing in the country(/ies) involved in the transaction.

23.2 All my requests and transactions via Citibank Online must not violate the laws of Malaysia. Any international transactions via Citibank Online (including my access of Citibank Online outside of Malaysia) shall not violate the laws existing in the country(/ies) involved in the transaction.

23.3 To the fullest extent permitted by law, I will fully indemnify, defend and hold you and any company within Citigroup harmless from and against any and all suits, actions, judgements, damages, costs, losses, expenses (including legal fees on a solicitor and client basis) and other liabilities arising from a breach and/or contravention and/or non-compliance with any provision under this Clause 23.

24. EQUIPMENT AND SOFTWARE

24.1 Equipment

(a) I will be responsible for the supply and maintenance of the Customer Terminal and any network, communications or access equipment or facilities required for me to access and use Citibank Online. I will not access and use Citibank Online from any computer or device (or email address) which I do not own unless I first obtain the owner's permission. I agree to ensure that my Customer Terminal used in accessing Citibank Online meets your minimum criteria.

(b) I warrant that the Customer Terminal and any other computer system or device through which access may be effected by use of my Username, Password and Security Details are free from any electronic, mechanical, data failure or corruption, computer viruses and bugs.

24.2 Software

(a) When I access Citibank Online, I understand and agree that I may be supplied with software necessary to enable me to access and conduct my activities via this Website. I agree that it is my responsibility to ensure that the software that is supplied to me is compatible with my Customer Terminal or any other system or other software on my Customer Terminal.

(b) By supplying me with the software to access Citibank Online, I agree that you are granting me only a non-exclusive, non-transferable, user-specific licence to use the software relating to and in connection with Citibank Online subject to the following conditions:

(i) I will not disassemble, decompile, copy, publish, sell, rent, modify, reverse engineer or reverse compile any of such software or allow anyone else to do so.

(ii) I will use the software for the purposes relating to these Terms and Conditions only.

(iii) To the fullest extent permitted by law, you will not be liable to me, either in contract, in tort or otherwise for any direct or indirect loss, damage, claim, cause of action, proceeding, (including loss of profits, goodwill, business or anticipated savings) nor for any indirect or consequential loss or damage resulting from the use of the software.

(iv) I will comply with any other conditions imposed from time to time by you (or by the software owner) with respect to the use of the software.

24.3 Neither you, any company within Citigroup, any relevant Internet service provider or information or communication network service provider nor any other software supplier makes any express, implied or statutory warranties relating to Citibank Online, the direct access software or services or browser including, but not limited to any warranties of merchantability, fitness for a particular purpose or non-infringement of third party proprietary rights unless disclaiming such warranties is prohibited by law.

24.4 Where you provide me (whether online or by way of CD-ROM/ DVD-ROM) with a browser for the purpose of accessing Citibank Online, my use of the browser is subject to any payment, licensing and/or other terms prescribed by the relevant browser provider.

24.5 I acknowledge and agree that you will be using cookies (i.e. small pieces of information that you at your discretion send to be stored in the Customer Terminal) to enable you to provide the necessary service to me. I further acknowledge and agree that to the fullest extent permitted by law, you will not be liable for any damages or claims arising from your use of cookies or such other technical devices, programs or software carrying out such functions for the purpose of or incidental to the operation of this Website or Citibank Online.

24.6 I acknowledge that the laws of some countries prohibit or restrict the import or export of certain types of software e.g. encryption software. Where applicable, I will obtain the relevant import or export licence or governmental approval before taking, sending or using the software.

25. OWNERSHIP

25.1 I understand and acknowledge that you (or your designees) own absolutely whether now or in the future any and all rights in Citibank Online and this Website including but not limited to domain names, trademarks, service marks, trade names, copyrights, patents, designs, trade secrets, confidential information, intellectual property rights, proprietary rights and any other legal and beneficial rights and interests of whatever nature related to Citibank Online and this Website conferred under the laws of Malaysia and all the countries in the world for the full period thereof, together with any renewals and extensions pertaining to the same.

25.2 The right to access and use Citibank Online does not automatically grant any rights to me to use, reproduce, copy or otherwise deal with any one or more of the intellectual property or proprietary rights set out in Clause 25.1 and I understand that any use must be with your prior written consent subject to any conditions imposed by you in respect of such use.

25.3 I undertake to comply with all directives or instructions issued by you in relation to any use of the intellectual and proprietary rights belonging to you (or to your designees).

26. REPRESENTATIONS & WARRANTIES : DISCLAIMER

26.1 Unless specifically stated in these terms and conditions and to the fullest extent permitted by law, there are no, and Citibank expressly excludes and disclaims any representations, warranties, or endorsements, express or implied, written or oral, including, but not limited to, any warranties of merchantability or fitness for a particular purpose or warranties of the correctness, accuracy, precision, quality, timeliness or completeness of any software, the Materials, tools, information, data, resources or services provided under or pursuant to Citibank Online, this Website or these Terms and Conditions or the performance, use or operation of any of the foregoing, including without limitation, Citibank Online products, services and/or information, third party products, services and/or information and the availability of all such services.

26.2 I represent and covenant that I have not relied on any representation made by you which has not been stated expressly in these terms and conditions. Any representations, whether written or oral, given by any officer or representative of Citibank shall be void and have no legal effect whatsoever.

27. LIABILITY AND INDEMNITY

27.1 Unless expressly stated in these terms and conditions and to the fullest extent permitted by law, in no event will you be liable for any loss or damages (including without limitation loss of income, profits or goodwill, direct or indirect, incidental, consequential, exemplary, punitive or special damages of any party, including third parties) howsoever arising, whether in contract, tort or otherwise, in connection with or pursuant to the furnishing, performance and use of Citibank Online, or any other materials, resources or services provided under these terms and conditions, even if you have been advised of the possibility of such damages in advance, and all such damages are expressly excluded.

27.2 Without limiting Clause 27.1 above and in addition to any other provision under these terms and conditions as well as to the fullest extent permitted by law, I irrevocably and unconditionally agree that you will not be liable for any loss or damages suffered or incurred by me or any other party (whether direct or indirect, special, consequential, incidental, punitive or all other loss and damage including without limitation, lost profits, lost savings, goodwill or anticipated profits), whenever and howsoever arising, whether in contract, tort or otherwise, in connection with the following events:

(a) your taking of any Instructions and/or other requests via Citibank Online and acting upon them;

(b) any destruction or alteration of my Instructions and/or other requests, data or information transmitted by me to you through Citibank Online;

(c) the improper, fraudulent or unauthorised use of Citibank Online, my Username, Password, PIN, and/or any other security code given to me;

(d) any damage to the Customer Terminal, related facilities or software as a result of any access to Citibank Online;

(e) any breakdown or malfunction of any equipment, system or software used in connection with Citibank Online, including but not limited to any electronic terminal, server or system, communications device, connection or system or any part of the system arising from any access to Citibank Online;

(f) any intrusion or attack by any person, hardware, software, virus, Trojan Horse, worm and/or macros or other harmful components that may interfere with Citibank Online arising from any access to Citibank Online;

(g) any loss or damage caused by any access effected by any Citibank Online Use and/or use of Citibank Online being prohibited, restricted, delayed or otherwise affected by:

(i) the laws and regulations of Malaysia and/or the country from where such service(s) is accessed and/or the terms and conditions prescribed by the relevant Internet service provider or information/communication network service provider in such country of access;

(ii) any law or regulation of any jurisdiction, regional or international authority which governs any use or any component of Citibank Online, any relevant Internet service provider or information/communication network service provider or system;

(iii) any act or omission by any relevant Internet service provider or information/communication network service provider;

(iv) your modifying, maintaining or upgrading this Website; and/or

(v) your terminating or modifying Citibank Online or part thereof;

(h) any loss or damage suffered or incurred by me or any other party as a result of my relying or acting or omitting to act upon any information which you obtain from any third party (including without limitation any pricing, stock quotes, estimates and descriptions of any merchandise, product and service from this Website or Citibank Online);

(i) any access (or inability or delay in accessing) and/or use of any software or browser which you provide to allow access to Citibank Online, effected by any Citibank Online Use, or for any defect in any such software or browser;

(j) any errors or omissions in the information and materials contained in this Website or made available through Citibank Online or by you due to any error, mistake, omission or otherwise arising from my access or use of Citibank Online or dealings with you;

(l) any delay or failure in any transmission, Confirmation, despatch or communication or any delay or failure in processing and acting upon my Instructions and/or other requests;

(m) any defect in any goods or services supplied by the Payee(s);

(n) the exercise by Citibank of any of its rights under these terms and conditions including the right to terminate my use of Citibank Online;

(o) any misstatement, misrepresentation, error or omission in any details disclosed by Citibank;

(p) any errors or omissions in the Instructions and/or other requests; and/or

(q) any failure to receive any Instructions and/or other requests by you.

27.3 I will indemnify, defend and hold you harmless against any and all claims, demands, suits, actions, judgements, damages, costs, losses, expenses (including legal fees and expenses on a solicitor and client basis) and other liabilities whatsoever and howsoever caused that may arise or be incurred by you or any other party in providing Citibank Online to me, whether or not arising from or in connection with access and use of Citibank Online including but not limited to any of the events described in Clause 27.2 above.

27.4 Clause 27 any and other exclusion or limitation of Citibank (or Citigoup's) liability under these terms and conditions will take effect to the widest and fullest extent permitted by law including without limitation, any judicial or other governmental order, guidelines, directive or notice (including Bank Negara Malaysia, regulatory or other official bodies or entities to which Citibank is subject). Reference to the term "you" in this Clause 27 and elsewhere in respect of Citibank's liability, include the companies within Citigroup as well as Citibank's directors, employees, personnel, agents and/or representatives.

28. SUSPENSION/TERMINATION/CANCELLATION OF CITIBANK ONLINE

28.1 Citibank Online or my Citibank Online Use or any part or component may be cancelled by you at any time with notice to me. After cancellation, Citibank Online or any part or component thereof may be reinstated in such manner and on such terms and conditions as you may determine at your discretion.

28.2 You also reserve the right at all times to suspend or block access to and use of Citibank Online or any part or component thereof and for any length of time and upon any conditions determined by you at your discretion.

28.3 Upon effective cancellation or termination of Citibank Online or any part or component:

(a) All rights granted to me will immediately terminate and revert to you including without limitation, the software licence.

(b) I will immediately pay to you all outstanding fees and charges due and owing under Citibank Online or any part or component thereof.

(c) Any Instructions and/or other requests received after the effective date of termination may not be acted on by you at your discretion.

(d) Any Instructions and/or other requests received between the date notice is given and prior to the effective date of termination (if there is a lapse of time between the two dates) may not be acted by you at your discretion.

(e) I undertake to comply with all your directions and instructions to effect completion or termination of all the activities under or pursuant to Citibank Online or any part or component.

(f) Those terms and conditions that apply to the products, services or information of Citibank Online or any part or component thereof that do not require access by way of my Username, Password and Security Details or other security codes or measures will continue to apply to those products, services or information.

28.4 For the avoidance of any doubt and to the fullest extent permitted by law, cancellation, termination or suspension by you of Citibank Online or any part or component under this Clause 28 will not entitle me and I waive all rights to any claim or compensation against you for any and all loss or damage suffered or incurred by me as a direct or indirect result of the act of cancellation, termination or suspension.

29. MISCELLANEOUS

29.1 CommunicationsExcept where these terms and conditions specifically provide for the manner of giving notice or where otherwise notified by you to me from time to time, all notices and communications required to be given by me to you will be in writing and would be sent to you by way of ordinary or registered post to Citibank's address at:

Citibank Berhad,No. 165 Jalan AmpangP.O. Box 11725Kuala Lumpur

Except where these terms and conditions specifically provide for the manner of giving notice, I hereby agree that all notices and communications given by you to me may be given, at your discretion, by any one or more of the following methods:

(a) ordinary or registered post to my last known address according to Citibank's records;

(b) by facsimile to my last known facsimile number in Citibank's records;

(c) electronic mail to the last known electronic mail address according to Citibank's records;

(d) posting the notice or communication on this Website;

(e) notices placed with or in any of your written communications to me e.g. bank statements, flyers and brochures;

(f) telephone call to the last known telephone number in Citibank's records;

(g) notices placed through any media e.g. newspapers and television, or

(h) any other manner of notification decided by Citibank from time to time. Notices by you will be deemed received by me:

(i) in the case of posting by ordinary or registered post, forty-eight (48) hours after posting;

(ii) in the case of facsimile, upon completion of transmission as evidenced by a fax confirmation slip;

(iii) in the case of electronic mail, twenty four (24) hours after sending;

(iv) in the case of posting on Website, twenty four (24) hours after date of posting;

(v) in the case of notices placed in Citibank's communications to me, forty-eight (48) hours after date of posting;

(vi) in the case of notices placed through the media, upon date of publication or first publication, and

(vii) in the case of SMS, twenty four (24) hours after sending such a message.

29.1.1 Notice Period Unless there are any express provisions in these terms and conditions or any law, regulation or directive providing for specific time periods for notices described in these terms and conditions, any notices given or required to be given by you hereunder may be given, at your discretion, with immediate effect or within any period of time determined by you.

29.2 Binding nature and assignmentThese terms and conditions will bind Citibank and the Customer and their respective successors and assigns. I understand and undertake that I will not assign these terms and conditions without your prior written consent, and any attempted assignment and delegation without such consent will be void. You will have the right to assign or subcontract the whole or portions of the services or obligations as you deem fit, subject to giving me prior notice.

29.3 HeadingsThe headings used in these terms and conditions are for reference and convenience only and will be used for interpretation of these terms and conditions.

29.4 Additional ServicesAny services or works performed by you outside of the services to be provided will be considered additional services and may be subject to additional charges and/or fees.

29.5 VariationsThe information, materials, services, products or content may be changed, varied, deleted or added to from time to time with notice by you at your discretion. These terms and conditions may be modified, added to, deleted or varied by you by way of posting on this Website or in any other manner deemed suitable by you. I agree to access Citibank Online or this Website and these terms and conditions at regular intervals of time to view these terms and conditions and to ensure that I am kept up-to-date with any changes or variations to these terms and conditions. I agree that continued access and use of Citibank Online constitutes my acceptance of these terms and conditions (as modified and varied from time to time) and/or any changes or variations to Citibank Online or this Website or the information, materials, services, products or content.

29.6 Invitation to treatI accept that the services, products, informational and other online resources and content provided by Citibank Online under this Website will be considered an invitation to me to subscribe to and/or use Citibank Online. I understand and agree that any applications (including without limitation the Bill Payment Instructions, Fund Transfer Instructions and/or any other requests) under or pursuant to Citibank Online received by you from me shall be considered an offer on my part to use Citibank Online and may or may not be accepted at your discretion.

29.7 Governing Law and Jurisdiction

(a) These terms and conditions will be deemed to be made in Malaysia and are for all intents and purposes governed by and construed in accordance with the laws of Malaysia. The parties expressly submit to the exclusive jurisdiction of the courts in Malaysia but you are at liberty to proceed against me in the courts of any other country where jurisdiction may be established.

(b) Regardless of the provisions contained in these terms and conditions, if there is any inconsistency or conflict between these terms and conditions and any statutory provision(s) or legislation of Malaysia applicable to Citibank, me or both of us, the applicable statutory provision(s) or legislation of Malaysia will prevail.

29.8 WaiverYou will not be deemed to have waived any of your rights or remedies under these terms and conditions unless such waiver is in writing and signed by you. No delay or omission on your part in exercising any rights or remedies will operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion will not be construed as a bar or waiver of any rights or remedies on future occasions.

29.9 ComplaintsIf I have any concerns or complaints pertaining to my use of Citibank Online I may call Citiphone Banking at the telephone number listed on this Website or visit any of Citibank's local branches to lodge my concerns or complaints in accordance with the applicable Account Terms and Conditions, and I acknowledge that the procedures set forth therein shall determine the manner in which any investigation or resolution of such concerns or complaints of mine will be carried out.

29.10 SeveranceIf any provision of these terms and conditions is or are held to be illegal or invalid under present or future laws or regulations effective and applicable, such provision will be fully severable and these terms and conditions will be construed as if such illegal or invalid provision had never comprised a part of these terms and conditions and the remaining provisions will remain in full force and effect without being affected by the illegal or invalid provision or by its severance.

PART E: CITIGOLD WEALTH MANAGEMENT BANKING AND ONLINE SERVICES

30. ACCESS TO CITIGOLD SERVICES

30.1 Where I am a CitiGold Member and provided that I maintain a combined daily average balance of deposits and/or investments of at least RM200,000 with Citibank, I may have access through Citibank Online, to my relevant Account(s), my CitiGold Account(s) and/or any other banking, payment or financial services as you may determine from time to time (which includes without limitation the services set forth under Part E of these Terms and Conditions).

31. PORTFOLIO TRACKER

31.1 You may provide me with access to the Portfolio Tracker through Citibank Online to view my entire deposits and investments portfolio, which may include without limitation any Citibank Share Margin Financing (CSMF) as provided through Citibank Online, Time Deposits, Unit Trust Fund(s), and/or any other short term trading, liquid assets, or long term investments that you may determine from time to time.

31.2 To the fullest extent permitted by law, if I rely on or make any investment or financial decisions based on the information as provided through Citibank Online, I accept all risks, losses or liabilities arising therefrom and will not hold you responsible or liable in any way. Further I accept that any information made available to me pursuant to my use of the Portfolio Tracker are solely for my own personal and lawful use.

32. FINANCIAL, MARKET AND WORLD NEWS

32.1 By accessing Citibank Online, you may provide me with access to following articles, newsletters, research materials, and other information resources with respect to financial, market and world news in the following categories:-

• Monthly Market Outlook and Biannual Market Outlook If I access Monthly Market Outlook and the Bi-annual Market Outlook (as provided through Citibank Online), I may view a review and analysis of the global financial markets, which are normally made available on a monthly and biannual basis respectively as determined by Citibank.

• Financial Market Analysis If I access Financial Market Analysis (as provided through Citibank Online), I may view a review and analysis of the global financial markets.

• Featured Articles If I access Featured Articles (as provided through Citibank Online), I may view featured articles that are issued on Citibank Online which are normally made available on a periodic basis as determined by Citibank.

32.2 I accept and agree that:

(a) the information relating to financial, market and world news may be supplied by a third party and if so, then all proprietary rights in such information is, owned by that third party provider unless provided otherwise. Therefore, subject to such third party rights in the said information resources, you and/or other entities within Citigroup own(s) the proprietary rights in all the articles, newsletters, research materials and information resources;

(b) to the fullest extent permitted by law, you and/or any other entity within Citigroup shall not be held responsible or liable for any loss, damage and/or other liabilities that I may suffer as a consequence of my reliance on or any inaccuracies, omissions or other errors pertaining to the articles, newsletters, research materials, reports and information resources whether supplied by the third parties or you;

(c) any information or data made available to me by you is solely for my personal and lawful use; and

(d) the articles, newsletters, research materials, reports and other information resources with respect to financial, market and world news which are made available to me through Citibank Online, do not constitute nor intended to constitute an offer or invitation to subscribe for Unit Trust Funds, nor do they amount to solicitation by Citibank or any entity within Citigroup for subscription of Unit Trust Fund(s) by any persons.

32.3 I acknowledge and agree that you reserve the right to suspend, block, withdraw or terminate my access to any or all such information resources at any time with notice.

PART F: "e-CHAT" & "CALL ME" SERVICES

33. e-CHAT

e-Chat is an online chat service which allows me to pose general queries to you about your products and services and relating to my account via Citibank Online.

33.1 Any information provided by any staff, employees or agents of Citibank during any e-Chat session is strictly for informational purposes only and does not constitute any investment, financial, legal or tax advice or any other type of advice.

33.2 I understand that your response on e-Chat may be delayed or omitted due to national public holidays, system maintenance, system fault or other events which may have incapacitated the e-Chat service. I fully understand and agree that you will not be held liable for delays, interruption, disruption or similar failure due to these reasons.

34. CALL ME SERVICES

"CALL ME" is an accommodation service that provides Customers who maintain bank deposit accounts and/or hold a Citibank Debit & ATM Card, and are enrolled in Citibank Online, with the option to request for a call back from a Citiphone Banking officer ("Citiphone Officer"). I can access "Call Me" service by first logging into my Citibank Online account and once I am logged in, I can click on the "CALL ME" icon and choose my preferred call back time, for the next 24 hours. The request will then be forwarded to a Citiphone Officer, who will return the call during my preferred call back time.

34.1 I understand that I must login to my Citibank Online account to access CALL ME.

34.2 Time and availability: CALL ME is available 7 days a week except during periods of system maintenance or any other periods which Citibank will notify. I understand that I will be asked to choose the preferred call back time within the next 24 hours. Scheduled maintenance will occur every Sunday from 12am to 6am (Malaysian time: GMT +8.00) or any other period as Citibank may notify. During this time period, CALL ME will not be functional and therefore, Citibank will not be able to respond to any requests. During periods of system maintenance, Citibank will not be able to call me with call requests that happen within this system downtime period. For each CALL ME request, I can only choose one (1) preferred call back time. If I want to request for additional call back time, I will have to submit a new Call Me. All call back time options are in Malaysian time zone.

34.3 Call-Back Intervals: I am allowed to select my preferred call back time within the next 24 hours, in 30 minute intervals (i.e. 10am / 10:30am / 11am / 11:30am, etc). The earliest call back option will be within 30 minutes from the time I click on the "CALL ME" icon on Citibank Online (i.e. If a Customer access Call Me at 2pm, the first option which the Customer may request for a call back will be 2:30pm). For each Call Me request, I can only choose one preferred call back time. To request for additional call back time, I will have to submit a new Call Me request. If I need to talk to a Citiphone Officer immediately, I understand that I can call your Citiphone Banking. As Citibank is not able to screen the types of customer issues/concerns that are made through the "CALL ME" icon on Citibank Online, it is entirely within my discretion to determine whether it is appropriate and timely for me to use the Call Me service, or to utilize the other available customer channels such as Citiphone or Citibank Online. If I submit duplicate requests on the same day, I understand that only the latest request will be serviced.

34.4 Customer Request Types: CALL ME is an accommodation service in which Citibank tries to call the Customers at their preferred time. I understand that this does not necessarily mean that you will be able to resolve any request during that specific call. You will expend all reasonable efforts to respond to my issues/concerns. The following are customer requests that will NOT be handled via CALL ME service, and will therefore not be accepted and entertained. Instead, customers are to contact Citiphone Banking directly for assistance:

(a) Lost or Stolen Credit Cards / ATM Cards - If my Citibank Debit,& ATM Card or Credit Card Card is lost or stolen, I understand I am still obligated under the applicable Account Terms and Conditions and/or the application Account terms and conditions to immediately/ promptly report the loss or theft by calling Citiphone Banking directly if CALL ME service is unavailable or if Citibank does not call me back for reasons beyond their control. You will not be liable for any loss, damage, or liability you shall suffer if my Citibank Debit & ATM Card or Credit Card is used for fraudulent purposes prior to the time its loss is reported to Citiphone Banking by me;

(b) Third Party Authorization - Customers who request for the call back service should also be the one to take the call when Citibank calls at the requested time. For security purposes, I understand that you will NOT entertain calls or proceed with the calls with anyone else, except with the Customer who filed the CALL ME request;

(c) Inquiries on Investments - Citiphone Officers may not be fully equipped to handle investment discussions. As such, I will contact your branches and/or Personal Banker/ Relationship Manager directly; and

(d) Stop Payment Order - since these transactions require immediate action, I understand that I will need to call Citiphone Banking directly rather than wait for a call back from Citiphone Officers.

34.5 Unsuccessful Attempts: In cases where you cannot reach me at the requested time after 3 call back attempts, you will send me an SMS alert to inform me that despite 3 attempts, you were unable to reach me. If you are still unable to contact me with a 4th call back attempt (to be done after the first SMS alert), then you will send a second SMS alert for me to call Citiphone Banking directly. You will not conduct further call back after you have made the 4 call attempts. You will only call me back if I have submitted a fresh request via the CALL ME service. I understand that I will receive SMS alerts notifying me of your inability to call me back only if my preferred call back number is a mobile line and also if I have ticked the "This is my mobile" checkbox upon requesting for the Call Me service.

34.6 Uncontactable Cases: I understand that in cases (e.g. very high volume of call back requests during a specific time) whereby you are unable to call me at my requested time, you will call me as soon as you are practicably able to. Upon reaching me, you will ask me if I am able to take the call then, and if not, you can schedule another call back time that is convenient for me.

34.7 Positive Identification: Upon calling me at my requested time, it will be mandatory for the Citiphone Officer to perform a positive identification check to ensure that he/she is talking to the right person. The positive identification will include security questions, etc. to confirm my identity, as what would be done if I had called Citiphone Banking directly.

34.8 Contact Numbers: When I request for a call back, the default contact number will be the primary number registered in your system. However, solely for the purpose of the CALL ME service, I will be able to replace the default contact number if I prefer to be called back at a different number (e.g. in cases where I am travelling abroad and wish to be called back on an international number). For the avoidance of any doubt, you are not responsible for any telephone charges or roaming fees or SMS or internet fees that I may receive from my telecommunications service provider.

34.9 Cancellation of Call Me requests: Once I submit a Call Me request to you, I will not be able to cancel that request via my Citibank Online account. If I absolutely need to cancel a Call Me request, I will need to contact Citiphone Banking to inform that I will no longer need a call back during that time. There is no guarantee that you will be able to cancel my Call Me request in time.

34.10 Limitation of liability: I acknowledge that the CALL ME service is rendered by you merely by way of accommodation and you have no responsibility or liability to me or any third party as a result of your accommodation of this service to me. I further acknowledge that as Citiphone Banking or Citibank Online is available to me, I have the option to access these facilities instead of CALL ME.

34.11 You have the discretion to make CALL ME available to me and to determine the scope of Call Me, set or change the daily cut-off time, modify, restrict, withdraw, cancel, suspend or discontinue any or all of the services with notice being given to me. I understand that by using CALL ME after any modification or change has been effected, I have agreed to any such modification or change. You will not be liable if I am unable to gain access including, but without limitation to maintenance and/or computer, telecommunication, electrical or network failure or any other reasons beyond your control. Furthermore, I understand that I must comply with the Citiphone Banking terms and conditions. Finally, I understand and acknowledge that I will still be bound by the applicable Account Terms and Conditions governing my account(s) maintained, operated in and with Citibank.

34.12 To the fullest extent permitted by law, I undertake to fully indemnify, defend and hold you harmless against any and all claims, demands, suits, actions, judgments, damages, costs, losses, expenses (including legal fees and expenses on a solicitor and client basis) and other liabilities arising from any one or more of the following situations:-

(a) the improper or unauthorized use of CALL ME;

(b) any damage to my computer terminal, mobile telephone, telecommunications equipment or related facilities as a result of any access to Citibank Online or CALL ME;

(c) any loss or damage caused by any modification, alteration, upgrade or termination of CALL ME occasioned by any access through my Citibank Online account;

(d) any access to (or inability or delay in accessing) CALL ME;

(e) any errors or omissions in the information transmitted by or to me or through my internet or telecommunications equipment through CALL ME, including any inaccurate or incomplete content of instruction;

(f) any delay or failure in any contact, transmission, dispatch or communication facilities;

(g) any delay or failure or inability to return my call or fulfill my request through CALL ME;

(h) my reliance on or use of the information provided through CALL ME for any purpose; and/or

(i) my use of the replacement contact number that I have provided via CALL ME.

34.13 You will use reasonable effort to ensure that CALL ME or Citiphone Banking lines are secure and cannot be accessed by unauthorized third parties. However, you do not warrant the security or confidentiality of any information transmitted through any Internet or mobile phone service provider in any jurisdiction. I acknowledge that the information sent and received is not encrypted and may include account information. I am responsible for ensuring the security of my telephone or internet or telecommunications equipment. I undertake to notify you immediately upon receipt of any data or information which is not intended for me and I will delete such data or information from my computer terminal or any other devices from which I can access the Internet.